The credit part, for me, is a fait accompli; I started living on a cash basis a few years ago and eliminated that awful stress. Life evaluation is trickier – for most of us, I think – but entering the world of wine professionals was more of a process than a decision, and once I started training I couldn’t get enough. I soon learned that partnering cash management and wine-buying can be loads of fun.

I buy most of my wine (and gifts, and other items) online. I hate to shop, and the convenience of having wine delivered to my door is addicting. You can find some real deals on quality wines online if you keep these few tips in mind:

I never, EVER pay shipping fees on wine. Shipping can cost more than the wine itself; if I’m going to pay a fortune I’ll just drive to the wine shop and buy a premium bottle.

Check to see if the winery or wine seller will ship to your state. Fortunately, most outlets can ship to Ohio, where I live. That wasn’t always the case, and those laws change all the time. Last week I spoke with a marketer in California who reps an Italian winemaker; she wants BigSexyReds to review his wines but the law prohibits her from shipping imported wines from her locale. I have to fetch them when I’m in Sonoma next month.

Pinpoint the delivery date and plan to be home then. Someone over 21 will have to sign for the wine. If that’s not possible, arrange with the delivery service to hold it and you can pick it up. I often have FedEx hold my wine.

That said, here are the online wine sellers I recommend (and no, I’m not being compensated for plugging them – not even with free wine):

LastBottle.com. By far my favorite, Last Bottle offers free shipping on six or more bottles, including mix-and-match batches, and I’ve never been disappointed by the wine. They buy surplus wines; register for free and they send one email per day with a daily deal. Twice a year they have two-day “madness marathons” in which you can constantly refresh your screen for new deals; during the marathons you get free shipping on single bottles. Deals range from $8 to $100 or more, always far below retail price and usually less than the lowest Web price. Refer friends and you get credit toward your next purchase.

Martha Stewart Wine Co. This is a new one for me. She was advertising an introductory 6-bottle deal for $4.99/bottle with free shipping. Martha is picky about products carrying her name, so I felt confident the wine would be drinkable, and I was right. I chose the reds-only option; last night I cracked the 2016 Cuvée Joëlle Malbec et Merlot, produced in Cahors, a small wine region south of Bordeaux, and it was fruity-delicious. (Wine-Searcher reports a 4.5-star rating of the wine and average selling price of $18.)

Heartwood and Oak. You’ll find these sellers advertising often on Groupon. My first purchase from them would have been about $85 per case with free shipping; I chose to order their premium red collection for an extra $25, so for less than $10 per bottle I got some great wines.

Amazon wines.com. I haven’t ordered from Amazon’s wine store yet, but I’m going to try it out. Most wines are priced under $30 – many brands you’ll recognize are less than $10 – and quite a few offer 1-cent shipping for six or more bottles.

AstorWines.com. This will be another blind adventure for me, but I looked at their reds and saw some nice $9 wines that sell in the local supermarket for $13-$15. They ship your first order free if you spend more than $99.

QVC.com. Check out the mega-seller’s website from time to time. I bought a case of Kevin “Mr. Wonderful” O’Leary’s wine last year for $128 and free shipping. It wasn’t the most exquisite wine I’ve tasted (I did try it beforehand, on my last visit to Niagara-on-the-Lake), but it was good enough, especially at that price. At this writing a case of O’Leary’s sells for $149, but keep an eye out for sales as the holidays approach.

You’ll find good deals on the ground, of course – Trader Joe’s is famous for selling decent, affordable, often hard-to-find wines. Sam’s Club and Costco sell some of their wines at a discount, but others are marked higher than at other retailers. And if you’re touring a wine region far from home, buy at the source even though it usually costs more than in stores. Of the thousands of wineries across the U.S., the vast majority are boutique operations that only sell on-site or in local groceries. If you love it, buy it because you probably won’t find it again.

And this year, consider buying California wines. Wineries in Napa and Sonoma aren’t all big corporations; a lot of struggling entrepreneurs, artisans and lower-skilled workers lost their jobs to the fires, and your purchase will help them get back on their feet.

Wine Lingo of the Day: Horizontal tasting = a tasting of wines that are all from the same vintage, but produced by different wineries or wine estates.

Vino ‘View: We all want to stand out, right? While you’re evaluating your life, sip some aptly-named 2013 Stand Out (4.8 percent alcohol, $18.99) by SLO Down Wines. “Sip” is the key; this California blend (59 percent Cabernet Sauvignon, 41 percent Merlot) is potent. It even looks strong, with its inky-dark color and thin red rim; it leave thick tears that drip so slowly they barely travel down the glass. The aroma is strong, too – coffee and fresh dark cherry, right off the tree. A dark grape taste dominates, yet it’s medium-light bodied with very low tannins. I could taste my grandma’s black raspberries. Halfway through the glass, the taste mellows with strawberries and green peppers, and leaves a long, fruity finish. At this time the winery is sold out, but 2013 Stand Out is available online at Wine-Searcher.com.